LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,340
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$78,715
−HK$2,412/mo
Today · 4.125%
HK$81,127
baseline
▲ 0.50% · 4.625%
HK$86,064
+HK$4,937/mo
Deposit HK$16.74M · loan HK$16.74M · min. income ≈ HK$162,254/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,422,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,927
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$87,205
−HK$2,311/mo
Today · 4.125%
HK$89,516
baseline
▲ 0.50% · 4.625%
HK$94,234
+HK$4,718/mo
Deposit HK$16.74M · loan HK$16.74M · min. income ≈ HK$179,032/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,422,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,608
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$94,457
−HK$2,896/mo
Today · 4.125%
HK$97,353
baseline
▲ 0.50% · 4.625%
HK$103,276
+HK$5,923/mo
Deposit HK$13.39M · loan HK$20.09M · min. income ≈ HK$194,706/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,422,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,913
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$104,646
−HK$2,773/mo
Today · 4.125%
HK$107,419
baseline
▲ 0.50% · 4.625%
HK$113,081
+HK$5,662/mo
Deposit HK$13.39M · loan HK$20.09M · min. income ≈ HK$214,838/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,422,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,876
−HK$6,702/mo
▼ 0.25% · 3.875%
HK$110,200
−HK$3,378/mo
Today · 4.125%
HK$113,578
baseline
▲ 0.50% · 4.625%
HK$120,489
+HK$6,911/mo
Deposit HK$10.04M · loan HK$23.44M · min. income ≈ HK$227,156/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,422,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,898
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$122,087
−HK$3,235/mo
Today · 4.125%
HK$125,322
baseline
▲ 0.50% · 4.625%
HK$131,928
+HK$6,606/mo
Deposit HK$10.04M · loan HK$23.44M · min. income ≈ HK$250,644/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,422,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,412
−HK$8,617/mo
▼ 0.25% · 3.875%
HK$141,686
−HK$4,343/mo
Today · 4.125%
HK$146,029
baseline
▲ 0.50% · 4.625%
HK$154,914
+HK$8,885/mo
Deposit HK$3.35M · loan HK$30.13M · min. income ≈ HK$292,058/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,422,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,869
−HK$8,259/mo
▼ 0.25% · 3.875%
HK$156,969
−HK$4,159/mo
Today · 4.125%
HK$161,128
baseline
▲ 0.50% · 4.625%
HK$169,622
+HK$8,494/mo
Deposit HK$3.35M · loan HK$30.13M · min. income ≈ HK$322,256/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,422,843 · Scale 2, in force from 26 Feb 2026)